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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $182,272 | $111,535+63.4% | $105,223+73.2% | $137,256+32.8% |
| Participation rate | 94.4% | 78.1%+16.4pp | 75.0%+19.4pp | 80.0%+14.5pp |
| Annual return | 8.51% | 237.85%-229.3pp | 180.65%-172.1pp | 220.34%-211.8pp |
| Employer contribution / active EE | $3,729 | $3,939-5.3% | $3,689+1.1% | $4,156-10.3% |
| Participant deferral / active EE | $5,487 | $5,500-0.2% | $5,072+8.2% | $6,407-14.4% |
| Admin fee / account holder | $1,180 | $9,721-87.9% | $8,859-86.7% | $12,270-90.4% |